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If I could give 10 stars I would
If I could give 10 stars I would If I could give 10 stars I would Such an amazing service so needed during the times when EDD almost never picks up Claimyr gets me on the phone with EDD every time without fail faster. A much needed service without Claimyr I would have never received the payment I needed to support me during my postpartum recovery. Thank you so much Claimyr!
Really made a difference
Really made a difference, save me time and energy from going to a local office for making the call.
Worth not wasting your time calling for hours.
Was a bit nervous or untrusting at first, but my calls went thru. First time the wait was a bit long but their customer chat line on their page was helpful and put me at ease that I would receive my call. Today my call dropped because of EDD and Claimyr heard my concern on the same chat and another call was made within the hour.
An incredibly helpful service
An incredibly helpful service! Got me connected to a CA EDD agent without major hassle (outside of EDD's agents dropping calls ā which Claimyr has free protection for). If you need to file a new claim and can't do it online, pay the $ to Claimyr to get the process started. Absolutely worth it!
Consistent,frustration free, quality Service.
Used this service a couple times now. Before I'd call 200 times in less than a weak frustrated as can be. But using claimyr with a couple hours of waiting i was on the line with an representative or on hold. Dropped a couple times but each reconnected not long after and was mission accomplished, thanks to Claimyr.
IT WORKS!! Not a scam!
I tried for weeks to get thru to EDD PFL program with no luck. I gave this a try thinking it may be a scam. OMG! It worked and They got thru within an hour and my claim is going to finally get paid!! I upgraded to the $60 call. Best $60 spent!
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- DO post questions about your issues.
- DO answer questions and support each other.
- DO post tips & tricks to help folks.
- DO NOT post call problems here - there is a support tab at the top for that :)
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Avery Davis
One thing nobody's mentioned is that when a financial service helps you exercise ISOs, sometimes they're making estimated tax payments that don't get properly coded in the IRS system. I had this exact problem last year. Make sure you have the actual confirmation showing WHAT type of tax was paid. There's a big difference between: 1) Regular estimated tax payments 2) AMT specific payments 3) Withholding from the exercise itself
How do you even verify which type was paid? My financial service just says "tax payment" on the statement, and my company's equity admin isn't helpful.
Avery Davis
ā¢You need to get documentation from the financial service that specifically shows the payment type and ideally the form used to make the payment. For estimated taxes, it would typically be Form 1040-ES. For AMT specifically, there's no separate payment form, but the payment should be designated for Form 6251. Ask the financial service for the exact copies of what was submitted to the IRS. Sometimes they use a payment voucher with specific codes that indicates what the payment was for. You can also request your IRS transcript which will show all payments received and how they were coded in the system. This is where services like Claimyr can help because you can ask the IRS agent directly how a specific payment was coded.
Has anyone ever successfully disputed a 409A valuation for ISO exercises? My company had a new funding round right after I exercised and the AMT calculation is killing me.
Tate Jensen
ā¢Very risky to dispute 409A valuations. The company sets those based on independent assessments, and challenging them can flag you for audit. Better to focus on properly tracking AMT credits for future years.
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5 One important thing to know about 1099-NEC income - you might need to make quarterly estimated tax payments for this year if you're continuing to do this work. Since no taxes are being withheld, the IRS wants you to pay as you go rather than having a huge bill at tax time.
11 How do you know if you need to make those quarterly payments? Is there a minimum amount you have to earn?
5 You generally need to make quarterly estimated tax payments if you expect to owe at least $1,000 in taxes for the year. There's no specific income threshold since it depends on your overall tax situation, but it's a good idea to start making them if your 1099 work is bringing in more than a few thousand dollars. The payments are due April 15, June 15, September 15, and January 15 of the following year. You can calculate how much to pay using Form 1040-ES or just pay 100% of what you owed last year divided into four equal payments (110% if your income is over $150,000) to avoid penalties.
21 I made the mistake of not setting aside money for taxes when I first started getting 1099 income and got hit with a HUGE tax bill. A good rule of thumb is to set aside about 30% of everything you earn as a contractor for taxes.
1 Thanks for the advice! I didn't realize I needed to set aside that much. Would it be smart to just open a separate savings account for tax money?
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I work in customer support (not for H&R Block), and I can tell you that creating a new account is totally fine. Companies expect people to make multiple accounts for various reasons. The only potential issue is if you're in the middle of a filing that has saved data - that won't transfer to your new account.
Isaac Wright
ā¢Would the IRS care if I filed with a different email than last year? Does that information even get sent to them?
The IRS doesn't receive or care about what email address you used to file your taxes. They're only concerned with the actual tax information (SSN, income, deductions, etc.), not the account details from the tax preparation software. When you e-file, the only things transmitted to the IRS are your tax forms and the data they contain, along with some tracking information from the tax preparation company. Your login credentials, email address, and account information stay with the tax preparation company and aren't part of what gets sent to the IRS.
Maya Diaz
Have you tried calling H&R Block directly? Sometimes they can remove premium if you explain the situation. I accidentally upgraded to premium last year and they switched me back when I called.
Tami Morgan
ā¢Their customer service is the WORST. I tried calling about a similar issue and was on hold for 1.5 hours before I gave up. Their chat support just sends automated responses that don't address the issue.
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Natalie Chen
One thing nobody mentioned yet - make sure you're paying quarterly estimated taxes on your 1099 income going forward! If you continue doing this freelance work, you should be making quarterly tax payments to avoid owing a big amount at tax time (and possibly penalties for underpayment). The IRS expects you to pay taxes throughout the year, not just at filing time. Form 1040-ES is what you'll need. It's relatively simple - you estimate your tax liability and make payments four times a year (April, June, September, and January of the following year).
Ugh that sounds like a headache. How do you even know how much to pay each quarter when your income is irregular?
Natalie Chen
ā¢It can definitely be annoying at first, but it gets easier. For irregular income, you have a couple of options. The simplest is to use the "safe harbor" provision - if you pay 100% of your previous year's tax liability (or 110% if your AGI was over $150,000), you won't face underpayment penalties even if you end up owing more. Alternatively, you can estimate each quarter based on actual earnings for that period. I use a simple method - I set aside roughly 30% of each 1099 payment I receive and make my quarterly payment from that. This usually covers both income tax and self-employment tax. If I overpay, I get a refund at filing time. There are also apps like QuickBooks Self-Employed that can track your income and automatically calculate your quarterly payments.
Don't forget about the Qualified Business Income deduction (Section 199A)! If you're filing as a sole proprietor with that 1099-NEC, you might qualify for up to a 20% deduction on your net business income. This is separate from your business expense deductions and could really help reduce what you owe. Also, as others mentioned, make sure you're deducting all eligible business expenses on Schedule C. Even small things add up - software subscriptions, portion of internet/phone, office supplies, professional development, etc. I ended up with over $3k in legit deductions my first year doing freelance work that I almost missed.
I hear so many people talk about home office deductions but I've always been told it's an audit red flag. Is it actually worth claiming?
NeonNebula
Another option nobody has mentioned is to see if you qualify for an SBA loan modification. If your business has experienced hardship, you might be eligible to have your loan terms adjusted more permanently. I did this last year and got my 30-year term extended and interest rate reduced slightly. You'll need to provide documentation showing your business income and expenses to prove hardship, but it can make a big difference in the monthly payment without the negative effects of just paying less on your existing terms.
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Isabella Costa
ā¢Do you need a specific reason for hardship? My business is struggling mainly because I made some bad inventory decisions, not because of any external factors. Would that still qualify?
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NeonNebula
ā¢You don't necessarily need a specific external reason like a natural disaster. The SBA recognizes that small businesses face various challenges. Poor business performance itself can qualify as hardship, regardless of the cause. What matters is demonstrating that your current financial situation makes the original loan terms unmanageable. You'll need to provide financial statements showing reduced revenue or increased expenses that impact your ability to make payments. Your inventory decision issue would likely qualify as long as you can document its impact on your business finances.
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Ravi Malhotra
Have you considered looking into SCORE mentoring? It's free business mentoring sponsored by the SBA. I was drowning in debt with my landscaping business and they paired me with a retired finance exec who helped me restructure everything.
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Keisha Johnson
ā¢Thanks for bringing this up! I actually didn't know about SCORE. Just looked into it and there's a chapter near me. Did you meet with your mentor in person or virtually? How long did it take to get matched with someone?
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